people want and used health care in america. it is an increase of utilization. kaiser health news, we had an edge to story who talked about trying to get the price of an m.r.i. try to find out how much it would cost and she could not get an answer. when she did get an answer, they were all over the map. these providers are cutting -- they have contracts with organizations to be reimbursed at certain levels. if you want to get a procedure and you're not in that plan, it will cost you more. we're used to comparison shopping. why can we do for health care? host: christine in arizona. caller: i have a couple of questions. one is with taxes. i look forward to tax time because i was get three times the rate of what ever i paid in back. i've gotten older, i don't understand how that's possible for somebody to get back three times what they paid in. host: any comment you want to make? guest: the cult may be talking about the man of money people pay into social security or medicare and the amount of benefits they receive. there is some discussion of what people pay in an